Mr. Cormac McCarthy:

There had been a practice generally in the market of 100% mortgages for professionals, it wasn't uncommon. It was a small part of the market, but typically people who had... you know, very high incomes and had...you know, clear visibility of income. So it wasn't... it wasn't a unique product, but it wasn't available to first-time buyers. So what we did was, we made it available to first-time buyers, that was the change. And that happened on my watch, Senator yes.